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Our Approach

We pride ourselves in our diligent and comprehensive approach to educating advisors and clients throughout the entire life insurance process. By doing so, we deliver a client experience that is exponentially better.

1. Education

We educate advisors and clients on the insurance strategies and resources available to help enhance or protect their financial plans.

Life Insurance

Long Term Care

Life Settlements

Our Life Settlement Advocacy Program™ provides an opportunity for clients who have built up a fair amount of cash value in their policy, but no longer need it, to sell their policy as a security transaction. Our unique compliance-oriented marketing system provides a step-by-step guide through a life settlement transaction and ultimately provides the highest level of value for a client’s life insurance policy.

Financial and Estate Planning Modules

Long Term Care

Individualized analysis developed to provide education, highlight the costs associated with Long Term Care, assess the protection options available, and help clients choose the right protection strategy.

Survivor Needs

A tool designed to analyze the financial impact that an unexpected death has on a family’s financial goals and ultimately recommend a strategy to protect the loved ones that are left behind.

Tax Optimization Illustrator

The Tax Optimization Illustrator evaluates the differences between various investment tax registrations, based on expected current and projected variables including: tax rates, rates of return, investment expenses, portfolio turnover, and investment time periods. The goal of this module is to optimize the tax efficiency of a client’s retirement portfolio both today and in their retirement years.

Estate Snapshot

Calculate potential estate tax obligations and propose planning techniques that can be used to improve a client’s comprehensive estate plan.

LifeAssurance 360

By taking a goals based approach to Life Insurance, LA360 is used educate clients, analyze products, and make Life Insurance recommendations.

2. Implementation

Once a solution has been identified, our team of experts navigates the insurance application fulfillment and underwriting process.

Concierge Services

Our in-house Concierge Services team simplifies the life insurance process for clients by contacting them directly to complete the application paperwork and coordinate the necessary underwriting requirements. By combining exceptional customer service and operational expertise, Concierge Services provides a simple, consistent and exclusive application experience for our clients.

Underwriting Advocacy

Our team of underwriting experts use their knowledge of how carrier underwriters make decisions to proactively position your life insurance application in the most favorable light. Underwriting Advocacy increases the potential for positive underwriting results through a unique approach that adds detail, expertise and clarity to the process. Our underwriters leverage their strong technical abilities and deep relationships across the industry while “humanizing” your case to help ensure the best possible outcome.

3. Policy Delivery

Utilizing our carrier partnerships, we negotiate the best offer possible and deliver the policy to the client.

4. Ongoing Policy Management

After the policy is in force, our team of dedicated specialists provides ongoing management and monitoring to ensure the policy continues to meet the client’s needs in the future.

Ongoing Policy Management and Monitoring Services

We partner with The Policy Management Company to reduce the risk of your policy not performing as designed and to ensure your coverage continues to meet your expectations. Through a detailed review process and objective analysis, the PMC works with us at Long Road to determine the current performance of your policy and identify solutions to improve it as needed. Active and ongoing management with annual reviews keep your policy on track and in force.

1. Education

We educate advisors and clients on the insurance strategies and resources available to help enhance or protect their financial plans.

Life Insurance

Long Term Care

Life Settlements

Our Life Settlement Advocacy Program™ provides an opportunity for clients who have built up a fair amount of cash value in their policy, but no longer need it, to sell their policy as a security transaction. Our unique compliance-oriented marketing system provides a step-by-step guide through a life settlement transaction and ultimately provides the highest level of value for a client’s life insurance policy.

Financial and Estate Planning Modules

Long Term Care

Individualized analysis developed to provide education, highlight the costs associated with Long Term Care, assess the protection options available, and help clients choose the right protection strategy.

Survivor Needs

A tool designed to analyze the financial impact that an unexpected death has on a family’s financial goals and ultimately recommend a strategy to protect the loved ones that are left behind.

Tax Optimization Illustrator

The Tax Optimization Illustrator evaluates the differences between various investment tax registrations, based on expected current and projected variables including: tax rates, rates of return, investment expenses, portfolio turnover, and investment time periods. The goal of this module is to optimize the tax efficiency of a client’s retirement portfolio both today and in their retirement years.

Estate Snapshot

Calculate potential estate tax obligations and propose planning techniques that can be used to improve a client’s comprehensive estate plan.

LifeAssurance 360

By taking a goals based approach to Life Insurance, LA360 is used educate clients, analyze products, and make Life Insurance recommendations.

2. Implementation

Once a solution has been identified, our team of experts navigates the insurance application fulfillment and underwriting process.

Concierge Services

Our in-house Concierge Services team simplifies the life insurance process for clients by contacting them directly to complete the application paperwork and coordinate the necessary underwriting requirements. By combining exceptional customer service and operational expertise, Concierge Services provides a simple, consistent and exclusive application experience for our clients.

Underwriting Advocacy

Our team of underwriting experts use their knowledge of how carrier underwriters make decisions to proactively position your life insurance application in the most favorable light. Underwriting Advocacy increases the potential for positive underwriting results through a unique approach that adds detail, expertise and clarity to the process. Our underwriters leverage their strong technical abilities and deep relationships across the industry while “humanizing” your case to help ensure the best possible outcome.

3. Policy Delivery

Utilizing our carrier partnerships, we negotiate the best offer possible and deliver the policy to the client.

4. Ongoing Policy Management

After the policy is in force, our team of dedicated specialists provides ongoing management and monitoring to ensure the policy continues to meet the client’s needs in the future.

Ongoing Policy Management and Monitoring Services

We partner with The Policy Management Company to reduce the risk of your policy not performing as designed and to ensure your coverage continues to meet your expectations. Through a detailed review process and objective analysis, the PMC works with us at Long Road to determine the current performance of your policy and identify solutions to improve it as needed. Active and ongoing management with annual reviews keep your policy on track and in force.